Age: Sex: Civil Status: No.

of Loan
No Availed Self control Over Confidence
1 4 1 2 3 3 1
2 2 1 2 5 4 4
3 2 1 2 3 3 2
4 3 1 2 1 5 5
5 1 1 2 2 4 4
6 2 1 2 3 5 4
7 2 1 2 2 3 3
8 2 1 2 2 3 3
9 3 1 2 3 4 4
10 2 1 2 5 4 4
11 2 2 1 3 5 5
12 2 1 2 2 3 4
13 1 1 1 2 4 3
14 2 2 2 1 4 4
15 3 1 2 4 4 2
16 2 1 2 3 2 1
17 3 1 2 3 4 4
18 3 2 2 0 5 5
19 3 1 2 4 4 3
20 3 2 2 5 4 3
21 3 1 2 3 5 5
22 2 2 2 4 3 3
23 2 1 2 3 4 5
24 3 1 2 5 4 4
25 3 1 2 5 3 3
26 4 1 2 1 5 5
27 2 1 2 5 4 4
28 1 2 2 3 4 4
29 2 1 2 1 4 4
30 2 1 1 3 4 5
31 2 1 1 3 4 4
32 1 1 2 5 4 3
33 3 1 2 2 3 3
34 3 1 2 6 4 3
35 3 1 2 6 4 3
36 1 1 2 5 5 5
37 2 1 2 3 4 4
38 2 1 2 1 4 4
39 2 1 2 3 5 5
40 3 1 2 0 5 5
41 2 1 2 1 5 5
42 2 1 2 5 5 5
43 1 2 2 1 4 5
44 2 2 3 3 4 4
45 2 1 2 4 5 4
46 2 2 1 4 5 4
47 2 1 2 3 5 4
48 1 1 1 3 5 5
49 2 1 2 3 5 4
50 2 1 2 3 4 4
Peer Influence CODES
3 Age: ☐ 26 – 30 ☐ 31 – 40
3 Sex: ☐ Male
2 Civil Statu ☐ Single ☐ Married
4 ☐ Others, please specify _____________
3
4 Behavior:
2 5 Always
3 4 Frequent
2 3 Sometimes
3 2 Seldom
5 1 Never
3
3
3
2
1
5
2
5
5
5
3
5
4
3
4
4
3
3
4
3
3
3
3
3
4
4
3
3
5
3
5
4
4
1
4
3
3
3
3
 ☐ 41 – 50 ☐ 51 – 56
☐ Female

ecify _____________
Age: Self control Ho There is no association between age and self-control as borrowing behavio
4 3 Ha There is association between age and self-control as borrowing behavior
2 4
2 3 SUMMARY OUTPUT
3 5
1 4 Regression Statistics
2 5 Multiple R 0.04902
2 3 R Square 0.002403
2 3 Adjusted R -0.01838
3 4 Standard E 0.743249
2 4 Observatio 50
2 5
2 3 ANOVA
1 4 df SS MS F Significance F
2 4 Regression 1 0.063871 0.063871 0.11562 0.735317
3 4 Residual 48 26.51613 0.552419
2 2 Total 49 26.58
3 4
3 5 Coefficients
Standard Error t Stat P-value Lower 95%
3 4 Intercept 2.419355 0.595634 4.061816 0.000179 1.221753
3 4 Self contro-0.048387 0.142302 -0.34003 0.735317 -0.334505
3 5
2 3
2 4 A pearson Product- moment correlation was run to assess the association between t
self-control as borrowing behavior. 50 respondents were included in the sample. The
3 4 statistically significant, weak positive correlation between the age and self-control as
3 3 behavior with Pearson's Correlation (r) value equal to 0.049 and P value >.0
4 5
2 4
1 4
2 4
2 4
2 4
1 4
3 3
3 4
3 4
1 5
2 4
2 4
2 5
3 5
2 5
2 5
1 4
2 4
2 5
2 5
2 5
1 5
2 5
2 4
elf-control as borrowing behavior
control as borrowing behavior

Significance F

Upper 95%Lower 95.0%

Upper 95.0%
3.616957 1.221753 3.616957
0.237731 -0.334505 0.237731

assess the association between the age and

were included in the sample. There was not
ween the age and self-control as borrowing
ue equal to 0.049 and P value >.05.
 Self-Control Behavior
Respondents 1 2 3 4 5 6 7 8 9 10
1 3 5 5 1 1 1 1 3 3 1
2 4 5 5 3 3 4 5 5 4 4
3 3 2 3 2 3 1 2 2 2 2
4 5 5 5 5 5 5 5 5 5 5
5 4 4 4 4 3 5 5 3 3 4
6 5 5 5 4 5 5 5 4 4 4
7 3 4 3 2 3 3 2 2 3 3
8 3 4 3 4 3 4 3 3 3 3
9 4 4 5 3 4 4 5 4 4 3
10 4 4 5 4 4 5 3 4 3 4
11 2 4 5 5 5 5 5 5 4 4
12 3 3 3 3 4 4 4 4 3 4
13 5 4 4 2 4 4 3 4 3 3
14 4 4 4 4 3 5 5 3 4 4
15 4 4 4 2 4 3 2 2 2 3
16 3 3 2 1 1 4 3 1 1 1
17 5 4 4 4 3 4 4 4 3 4
18 5 5 5 2 5 5 5 1 3 5
19 4 5 5 3 4 3 3 3 3 1
20 5 3 5 3 4 3 3 5 3 3
21 4 5 5 4 5 5 5 5 5 4
22 5 3 4 2 3 2 3 5 3 4
23 4 5 5 3 4 4 5 5 4 5
24 5 4 5 4 4 5 5 4 4 4
25 3 3 4 2 3 3 2 4 4 2
26 5 5 5 4 5 5 5 3 5 5
27 4 4 5 4 5 4 4 4 4 4
28 4 4 4 3 4 4 4 3 4 3
29 4 4 4 4 5 4 4 4 5 4
30 3 4 4 4 4 5 4 5 4 5
31 5 4 5 4 4 4 4 4 4 4
32 4 4 4 4 4 3 3 3 3 3
33 3 3 3 3 3 3 3 3 3 3
34 4 3 4 3 4 4 3 3 3 3
35 4 3 4 3 4 4 3 3 3 3
36 5 5 5 5 4 5 4 5 5 5
37 4 5 4 4 4 4 4 5 4 4
38 4 4 4 3 3 4 4 5 4 4
39 5 5 5 3 3 5 5 5 5 3
40 5 5 5 3 5 5 5 5 5 5
41 5 5 5 3 5 5 5 4 5 5
42 5 4 5 5 5 5 5 5 4 5
43 5 4 4 4 5 4 5 5 5 5
44 3 4 4 4 5 4 4 4 5 5
45 5 5 5 1 5 4 4 5 4 5
46 5 5 5 4 4 4 4 5 5 4
47 5 5 5 4 4 4 4 4 4 4
48 5 3 5 1 5 5 5 3 5 5
49 5 5 5 3 4 4 4 5 4 4
50 5 4 4 3 5 5 4 4 4 4

Source of Variation
Anova: Two-Factor Without Replication

SUMMARY Count Sum Average Variance

Row 1 10 24 2.4 2.711111
Row 2 10 42 4.2 0.622222
Row 3 10 22 2.2 0.4
Row 4 10 50 5 0
Row 5 10 39 3.9 0.544444
Row 6 10 46 4.6 0.266667
Row 7 10 28 2.8 0.4
Row 8 10 33 3.3 0.233333
Row 9 10 40 4 0.444444
Row 10 10 40 4 0.444444
Row 11 10 44 4.4 0.933333
Row 12 10 35 3.5 0.277778
Row 13 10 36 3.6 0.711111
Row 14 10 40 4 0.444444
Row 15 10 30 3 0.888889
Row 16 10 20 2 1.333333
Row 17 10 39 3.9 0.322222
Row 18 10 41 4.1 2.322222
Row 19 10 34 3.4 1.377778
Row 20 10 37 3.7 0.9
Row 21 10 47 4.7 0.233333
Row 22 10 34 3.4 1.155556
Row 23 10 44 4.4 0.488889
Row 24 10 44 4.4 0.266667
Row 25 10 30 3 0.666667
Row 26 10 47 4.7 0.455556
Row 27 10 42 4.2 0.177778
Row 28 10 37 3.7 0.233333
Row 29 10 42 4.2 0.177778
Row 30 10 42 4.2 0.4
Row 31 10 42 4.2 0.177778
Row 32 10 35 3.5 0.277778
Row 33 10 30 3 0
Row 34 10 34 3.4 0.266667
Row 35 10 34 3.4 0.266667
Row 36 10 48 4.8 0.177778
Row 37 10 42 4.2 0.177778
Row 38 10 39 3.9 0.322222
Row 39 10 44 4.4 0.933333
Row 40 10 48 4.8 0.4
Row 41 10 47 4.7 0.455556
Row 42 10 48 4.8 0.177778
Row 43 10 46 4.6 0.266667
Row 44 10 42 4.2 0.4
Row 45 10 43 4.3 1.566667
Row 46 10 45 4.5 0.277778
Row 47 10 43 4.3 0.233333
Row 48 10 42 4.2 1.955556
Row 49 10 43 4.3 0.455556
Row 50 10 42 4.2 0.4

Column 1 50 210 4.2 0.693878

Column 2 50 207 4.14 0.612653
Column 3 50 219 4.38 0.566939
Column 4 50 162 3.24 1.124898
Column 5 50 198 3.96 0.937143
Column 6 50 203 4.06 0.95551
Column 7 50 196 3.92 1.09551
Column 8 50 194 3.88 1.209796
Column 9 50 189 3.78 0.86898
Column 10 50 188 3.76 1.165714

ANOVA
Source of Variation SS df MS F P-value F crit
Rows 234.488 49 4.785469 9.688163 7.708E-45 1.383254
Columns 43.368 9 4.818667 9.755371 1.177E-13 1.901114
Error 217.832 441 0.49395

Total 495.688 499

Cronbach's Alpha 0.896781

The reliability of item in the sheet is Good with 0.8967 Cronbachs Alpha
No. of Loan Availed Over Confidence Ho There is no significant relationship between the number of loa
3 1 Ha There is significant relationship between the number of loans
5 4
3 2 SUMMARY OUTPUT
1 5
2 4 Regression Statistics
3 4 Multiple R 0.289848
2 3 R Square 0.084012
2 3 Adjusted R 0.064929
3 4 Standard E 1.454231
5 4 Observatio 50
3 5
2 4 ANOVA
2 3 df SS MS F
1 4 Regression 1 9.310204 9.310204 4.40243
4 2 Residual 48 101.5098 2.114787
3 1 Total 49 110.82
3 4
0 5 Coefficients
Standard Error t Stat P-value
4 3 Intercept 4.72531 0.819898 5.763287 5.753E-07
5 3 Over Confi -0.431427 0.205618 -2.098197 0.041176
3 5
4 3
3 5 A pearson Product- moment correlation was run to assess the associatio
5 4 self-control as borrowing behavior. 50 respondents were included in
statistically significant, weak positive correlation between the age and s
5 3 behavior with Pearson's Correlation (r) value equal to 0.29 an
1 5
5 4
3 4
1 4
3 5
3 4
5 3
2 3
6 3
6 3
5 5
3 4
1 4
3 5
0 5
1 5
5 5
1 5
3 4
4 4
4 4
3 4
3 5
3 4
3 4
hip between the number of loans availed and the over-confidence behavior of the respondents.
between the number of loans availed and the over-confidence behavior of the respondents.

Significance F
0.041176

Lower 95%Upper 95%Lower 95.0%

Upper 95.0%
3.076794 6.373826 3.076794 6.373826
-0.84485 -0.018004 -0.84485 -0.018004

was run to assess the association between the age and

espondents were included in the sample. There was
elation between the age and self-control as borrowing
tion (r) value equal to 0.29 and P value <.05.
Sex: Self control Ho There is no significant relationship between gender profile and the sel
1 3 ha There is significant relationship between gender profile and the self-c
1 4
1 3 SUMMARY OUTPUT
1 5
1 4 Regression Statistics
1 5 Multiple R 0.064839
1 3 R Square 0.004204
1 3 Adjusted R-0.016542
1 4 Standard E 0.391285
1 4 Observatio 50
2 5
1 3 ANOVA
1 4 df SS MS F Significance F
2 4 Regression 1 0.031026 0.031026 0.20265 0.654617
1 4 Residual 48 7.348974 0.153104
1 2 Total 49 7.38
1 4
2 5 Coefficients
Standard Error t Stat P-value Lower 95%
1 4 Intercept 1.041056 0.313572 3.319987 0.001725 0.410576
2 4 Self contro 0.033724 0.074915 0.450166 0.654617 -0.116903
1 5
2 3
1 4 A pearson Product- moment correlation was run to assess the association betwe
1 self-control as borrowing behavior. 50 respondents were included in the sample
4 statistically significant, no or negligible correlation between the age and sel
1 3 borrowing behavior with Pearson's Correlation (r) value equal to 0.06 and P
1 5
1 4
2 4
1 4
1 4
1 4
1 4
1 3
1 4
1 4
1 5
1 4
1 4
1 5
1 5
1 5
1 5
2 4
2 4
1 5
2 5
1 5
1 5
1 5
1 4
n gender profile and the self-control behavior of the respondents.
ender profile and the self-control behavior of the respondents.

Significance F

Upper 95%Lower 95.0%

Upper 95.0%
1.671535 0.410576 1.671535
0.184352 -0.116903 0.184352

assess the association between the age and

were included in the sample. There was not
on between the age and self-control as
r) value equal to 0.06 and P value >.05.